“Service” means the Regional Acceptance Corporation (“Regional”) Customer
Payment Portal service and any other online product or service offered through
Regional’s website , mobile apps, or any other means of digital communication in
which you have enrolled, which allows you to use a personal computer or other
wireless device to make Account payments and view notices, statements, and other
information about your Account balances and transactions. The words “we”, “us”,
and “our” refer to Regional Acceptance Corporation and any agent, independent
contractor, designee or assignee that Regional may, in its sole discretion,
involve in the provision of the Service. The words “you” and “your” mean
the individual(s) or entity(ies) using the Service. As used in this Agreement
Regarding Online Services (“Agreement”), “Account” means the account(s) you have
with Regional.

2. Applicability

This Agreement between you and Regional governs your use of the Service.
By subscribing to the Service or using the Service, you agree to the terms of
this Agreement. Please read this Agreement carefully and in its entirety.
We suggest that you print a copy of this Agreement.

3. The Service

You may use an electronic device to access the Service, and can use the
Service to make payments or direct us to make payments to your Regional
Account(s). You may also access Account and transaction information on
your eligible Account. Not all Regional accounts are eligible for
electronic payments using the Service. You may access the Service by using
the Regional website or mobile application administered by Regional or its
designated service provider. You agree that you will use the Service, and
any products or services received as a result of your use of Service, in a
manner consistent with this Agreement. We may also add, modify, or delete any
feature of the Service in our sole discretion. We may, but are not required to,
provide you with notice of any change or termination in the Service. We may, but
are not required to, send you notice when new features are added to or changed
on the Service.

You agree to indemnify and hold Regional and all third party content
providers which provide content for the Service (either through links or
otherwise), harmless from any loss, including reasonable attorney’s fees,
related to any claim made by any third party relating to content you submit,
post to or transmit through the Service, your use of the Service, your
connection to the Service, your violation of this Agreement, and any harm you
cause another user of the Service.

4. Software and Hardware Requirements

You may access the Service by using the Regional website or mobile
application administered by Regional or its designated service provider.

For your security, you should run up-to-date virus and spyware protection
software on your personal computer. You should also have a personal firewall
installed and up-to-date. Finally, you should keep your operating system patched
and up-to-date as well.

Equipment Requirements

Compatible Browsers

Mozilla Firefox

Google Chrome

Safari

Microsoft Internet Explorer

Microsoft Edge

Note: Regional Acceptance no longer supports older browsers that only support TLS 1.0 due to security.

Device

You may use any internet capable device or personal computer to access the website

Document Viewing

Documents available for viewing require Adobe PDF Viewer

5. Security

User
ID and Password

You will be asked to provide a personal User ID and a Password ,
which you will use to obtain access to your Account(s) at Regional. You
authorize us to follow any instructions entered through the Service using your
User ID and Password. Because your User ID and Password can be used to access
information about these Account(s), you should treat your User ID and Password
with the same degree of care and secrecy that you use to protect your ATM
Security code and other sensitive financial data. We may ask you to change your
User ID and Password from time to time for security reasons. You agree not to
use any language that is abusive, harassing, libelous, defamatory, obscene, or
threatening when defining your User ID or any other personalization of your
Account(s).

Security Measures

In addition to your User ID and Password, we may ask you to create and
provide responses to additional authentication questions that only you and
Regional Corporation will know in order to verify your identity. These questions
and your correct responses help us to provide stronger protection of your
account information. We reserve the right to prevent access to the Service for
security reasons or if we suspect fraud. You agree to cooperate with us in the
investigation and prosecution of any person who has obtained and used your User
ID and Password without your authorization. Regional does not and will not
assume any liability for unauthorized or fraudulent use of the Service.

You agree not to give or make available your User ID, Password, or Account
number(s) to any person. You are fully liable for all transactions made using
your User ID and Password.

We reserve the right to refuse to allow you to use the Service. Any user of
this Service shall comply with all applicable laws and regulations, including
the laws and regulations administered by the U.S. Treasury Office of Foreign
Assets Control (OFAC).

6.Balance Inquiries

You may use the Service to check the balance of your Account(s). The balances
shown may differ from your records because they may not include recent payments
or charges. No fee is charged by Regional for access to the Service.

7. Payments

You may use the Service to authorize one-time or recurring payments of your
Regional Account(s). Your Account payments will be charged to your designated
deposit account through the ACH network or, if available, charged to your
designated payment card through a card network. You may schedule one-time
Account payments for processing on the date you authorize the payment or on a
future date, subject to the restrictions in this Agreement. You may schedule
recurring Account payments for processing on the same date each month or
substantially regular intervals, subject to the restrictions in this Agreement.

8. Stopping or Modifying Payments

You cannot use the Service to change or stop a one-time Account payment after
you authorized it. You can use the Service to change or stop a recurring Account
payment, subject to the restrictions in this Agreement. To stop a one-time or
recurring Account payment, you can write to us at the address we provided in
your authorization for recurring Account payments or you can call Regional’s
Customer Support Department at 1-866-644-7687. If you call us, we may also
require you to put your request in writing and send it to us within fourteen
(14) days after you call us.

9.Cut-off Time for Payments Made by Bank Account or Payment
Card

Payment card and one-time bank account payments made before 11:00 P.M Eastern
Time, USA, on a day that is not the last day of the month will post to the
Account on the same day. Payments made after 11:00 P.M. Eastern Time, USA,
on a day that is not the last day of the month will post to the Account on the
next day.

Payment card and one-time bank account payments made before 11:45 P.M Eastern
Time, USA, on the last day of the month will post to the Account on the same
day. Payments made after 11:45 P.M. Eastern Time, USA, on the last day of
the month will post to the Account on the next day.

10. Communications Consent

You agree that Regional and any of its affiliates, agents, service providers
or assignees may call you, leave you a voice prerecorded, or artificial voice
message, or send you a text, e-mail, or other electronic message for any purpose
related to the servicing and collection of your Account(s) with Regional, for
surveys or research or for any other informational purpose related to your
Accounts(s) with Regional (each a “Communication”). You agree that Regional and
any of its affiliates, agents, service providers or assignees may call or text
you at any telephone number associated with your Account(s), including cellular
telephone numbers, and may send an e-mail to any email address associated with
your Account(s), including any phone numbers, e-mail addresses or any other
contact information provided by you regarding your use of the Service. You also
agree that Regional and any of its affiliates, agents, service providers or
assignees may include your personal information in a Communication and may
conduct a Communication using an automatic telephone dialing system. Regional
will not charge you for a Communication, but standard data and message rates may
apply. In addition, you understand and agree that Regional and any of its
affiliates, agents, service providers or assignees may always communicate with
you in any manner permissible by law that does not require your prior consent.

11. Change in E-Mail Address

If the e-mail address you provide to Regional regarding the Service should
change, you must contact Regional immediately at 1-866-644-7687 or through the
Service. Regional is not responsible for communications or other information
that is not received by you due to you not having an updated email address on
file. Regional is not responsible for any fees or delinquency status that
you may incur because your communication is not received. You are still
responsible for making your monthly payments due to Regional on or by the
contractual due date.

12. How to Withdraw Consent / Termination

You may terminate your use of the Service by providing notice at least ten
(10) days prior to the date on which you wish to have your Service terminated.
You may terminate it by contacting us at 1-866-644-7687, through the Service, or
by writing to us at Regional Acceptance Online Support, 1420-B E. Fire Tower
Road, Greenville, NC 27858. At our option, we may treat your provision of
an invalid e-mail address, or the subsequent malfunction of a previously valid
e-mail address, as a request to terminate your use of the Service. We may
require that you put your request in writing. If there is more than one
Account owner or if more than one person is authorized to access the Account via
the Service, we may terminate the Service upon the request of any Account owner
or person authorized to access the Account. Subject to applicable law, we
may terminate your use of the Service, in whole or in part, at any time without
notice. Upon termination, you will remain liable for payments and other
transactions in process, and all accrued fees and charges.

13. Joint/Multiple Owner Accounts

For joint Accounts, either or both Account holder may enroll for the Service.
The email address you provide at time of enrollment will receive any applicable
Communications, subject to any changes you make to such email address through
the Service or by contacting us. It is your responsibility to notify us if
your contact information changes. You can update your contact information via
the Service or by contacting us at 1-866-644-7687.

14. Errors With Transactions Regarding Your Account

Errors may occur regarding your Account due to circumstances beyond our
control that prevent the proper completion of a transaction despite reasonable
precautions by us to avoid these circumstances. Such circumstances include, but
are not limited to, fire, flood, delay in U.S. Mail, interruption in your
electrical power or telephone, the disconnecting of your telephone line by your
local telephone company or from deficiencies in your line quality, or any defect
or malfunction of your electronic device or related software, hardware of
telephone line. Furthermore, errors may occur if you have not properly
followed the instructions for using the Service.

15. Error Resolution Notice

In case of errors, unauthorized access, or questions about the Service or
your Electronic Payments, telephone us at:

Contact Regional as soon as you can if you think your statement or
information regarding a transaction is wrong or you need more information about
a transaction, or if you believe your user ID and/or password have been
forgotten or stolen.

When contacting Regional regarding an error resolution, please be prepared to
communicate the following information:

a. Your name and social security number or tax identification
number.

b. The error or the transaction you are unsure about, and explain
as clearly as you can why you believe it is an error or why you need more
information.

c. The dollar amount of the suspected error.

If you tell us orally, we may require you to send us the information or
question in writing.

16. Electronic Messaging

The Service provides you with the ability to send and receive electronic
messages to and from us. Please remember that we will not immediately receive an
electronic message sent by you. No action will be made on any electronic message
you send to us until we actually receive your message and have a reasonable
opportunity to act on it. If you need to contact us immediately, please call us
at 1-866-644-7687.

Electronic messaging CANNOT be used to notify us of lost or stolen User
IDs or Passwords or unauthorized transactions. Notice of these occurrences must
be done as specified in the Section titled Error Resolution Notice. From time to
time, we may send important notices to you concerning your use of the Service by
electronic messaging. From time to time, we may send important notices to you
concerning your use of the Service by electronic messaging. The electronic
messaging service may not be used to send or receive email messages to or from
the general public.

17. Disclaimer of Warranty and Limitation of Liability

WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED
WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, TO YOU OR TO
ANY OTHER PERSON IN CONNECTION WITH THE SERVICES PROVIDED TO YOU UNDER THIS
AGREEMENT, THE SERVICE OR ANY SOFTWARE OR EQUIPMENT USED IN CONNECTION
THEREWITH, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL OPERATE WITHOUT ERROR, OR THAT THE
SERVICES WILL BE AVAILABLE AT ALL TIMES. EXCEPT AS SPECIFICALLY PROVIDED IN THIS
AGREEMENT, OR OTHERWISE REQUIRED BY LAW, YOU AGREE THAT WE AND OUR OFFICERS,
DIRECTORS, EMPLOYEES, AGENTS OR CONTRACTORS ARE NOT LIABLE FOR ANY INDIRECT,
INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES UNDER OR BY REASON OF ANY SERVICES
OR PRODUCTS PROVIDED PURSUANT TO THIS AGREEMENT OR BY REASON OF YOUR USE OF THE
SERVICE, INCLUDING LOST DATA OR USE BY YOU OR ANY THIRD PARTY, WHETHER IN AN
ACTION IN CONTRACT OR TORT OR BASED ON A WARRANTY OR ANY OTHER LEGAL THEORY.

WE ARE NOT RESPONSIBLE FOR ANY LOSS, DAMAGE, OR INJURY RESULTING FROM AN
INTERRUPTION IN THE AVAILABILITY OF THE SERVICE, OR ANY COMPUTER VIRUS THAT YOU
MAY ENCOUNTER USING THE SERVICE. WE ENCOURAGE YOU TO ROUTINELY SCAN YOUR
ELECTRONIC DEVICE USING A RELIABLE VIRUS PROTECTION PRODUCT TO DETECT AND REMOVE
VIRUSES FROM YOUR ELECTRONIC DEVICE.

BY ACCESSING THE SERVICE, YOU AGREE TO WAIVE ALL CLAIMS AGAINST REGIONAL AND
ANY THIRD PARTY CONTENT PROVIDERS REGARDING THE INFORMATION PROVIDED AS PART OF
THE SERVICE AND ANY INFORMATION RECEIVED BY YOU AS A RESULT OF USING THE
SERVICE, AND ANY USE BY YOU OF SUCH INFORMATION. YOU AGREE THAT UNDER NO
CIRCUMSTANCES SHALL REGIONAL OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING,
OR DELIVERING THE SERVICE OR ITS CONTENTS OR SERVICES BE LIABLE TO YOU FOR ANY
DAMAGES, INCLUDING BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL
OR CONSEQUENTIAL DAMAGES FOR LOSS OF PROFITS, GOOD WILL, BUSINESS INTERRUPTION,
USE, DATA, EQUIPMENT OR OTHER INTANGIBLE LOSSES (EVEN IF REGIONAL HAS BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) THAT RESULT FROM: (1) THE USE OF OR
INABILITY TO USE THE SERVICE, (2) THE CONSEQUENCES OF ANY DECISION MADE OR
ACTION OR NON-ACTION TAKEN BY YOU OR BY ANYONE TO WHOM YOU COMMUNICATE SUCH
INFORMATION, OR FOR ANY ERRORS BY YOU IN COMMUNICATING SUCH INFORMATION, (3) THE
COST OF SUBSTITUTE GOODS OR SERVICES, OR (4) ANY OTHER MATTER RELATING TO THE
CONTENT, SERVICES, OR DISTRIBUTION OF SERVICES THROUGH THE SERVICE.
REGIONAL SHALL NOT BE LIABLE FOR DAMAGE OR INJURY TO PERSONS OR PROPERTY ARISING
FROM ANY USE OF ANY PRODUCT, INFORMATION, PROCEDURE, OR SERVICE OBTAINED THROUGH
THE SERVICE.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, REGIONAL’S ENTIRE LIABILITY AND
YOUR EXCLUSIVE REMEDY FOR ANY DISPUTE OR CLAIM RELATED TO THIS AGREEMENT, THE
SERVICE, ANY PRODUCTS OR SERVICES OBTAINED THROUGH USE OF THE SERVICE, OR
PRIVACY POLICY RELATED TO THE SERVICE, IS YOUR CESSATION OF THE USE OF THE
SERVICE.

18. General

a. Entire Agreement

Except as provided in this Section 18(a) below, this Agreement constitutes
the complete and exclusive agreement related to the Service, and supplements any
other agreement or disclosure related to your Account(s). In the event of a
conflict between this Agreement and any other agreement or disclosure related to
your Account(s) or any statement by our employees or agents, this Agreement
shall control as to the subject matter addressed herein.

If you also consent to the terms of the Agreement to Receive Electronic
Communications (the “Electronic Communications Agreement”), then this Agreement
and the Electronic Communications Agreement both govern your use of the Service.
In the event of a conflict between this Agreement and the Electronic
Communications Agreement, this Agreement shall control as to the subject matter
addressed herein.

b. Waivers

No delay or omission by us in exercising any rights or remedies hereunder
shall impair such right or remedy or be construed as a waiver of any such right
or remedy. Any single or partial exercise of a right or remedy shall not
preclude further exercise or the exercise of any other right or remedy. No
waiver shall be valid unless in writing and signed by us.

c. Assignment

You may not assign this Agreement to any other party. We may assign this
Agreement or delegate any or all of our rights and responsibilities under this
Agreement to any agents, representatives, affiliates and/or third parties.

d. Governing Law

This Agreement shall be governed by and construed in accordance with the laws
of North Carolina without regard to that state’s conflict of laws provisions.

e. Compliance with
Applicable Laws

Any user of this Service shall comply with all applicable laws. We reserve
the right to refuse to process any transaction we reasonably believe violates
applicable law or we believe is made in connection with any unlawful transaction
or activity. We will notify you if we do not process a transaction.

f. Amendments

We may amend this Agreement from time to time by posting the amended
Agreement on our website along with a notice that this Agreement has been
amended, or by any other reasonable notification method. You may obtain the most
recent version of this Agreement by calling 1-866-644-7687 to request a copy.
Continued use of the Service following notice of amendment of the Agreement by
Regional constitutes your acceptance of any amendments to this Agreement and
your agreement to comply with any changes.

g. Severability

If any provision of this Agreement is determined to be void or invalid, the
remainder of this Agreement shall remain in full force and effect.

h. Service Hours

The Service is available 24-hours a day, seven days a week, except during
maintenance periods.

i. Service
Notifications

We may add, modify or discontinue the Service at any time, including changing
the terms and conditions governing the Service. You agree that we may send you
electronic notifications concerning the Service, including notice of a change or
termination of the Service. We may also temporarily suspend your use of the
Service at any time for security reasons or any other reason in our sole
discretion. We have no responsibility or liability for Service unavailability,
interruptions or delays due to any cause.

j. Confidentiality

Subject to applicable law, we will disclose information to third parties
about you and your Account(s): (i) where it is necessary for completing payment
transactions; (ii) in order to verify the existence and condition of your
Account for a third party, such as a credit bureau or merchant; (iii) in order
to comply with government agency or court orders; (iv) if you give us
permission; (v) as stated in the
BB&T Corporation Consumer Privacy Notice ;
and (vi) as otherwise required or permitted by law or government regulation.

k. Access to other
Products and Services

We may provide you access to other financial products and/or services offered
by Regional, its affiliates, or third parties with whom we have contracted.
Access to these products or services may be provided through the use of
hyperlinks within the Service. You agree that when you use these other services,
you will be subject to any terms and conditions applicable to the particular
product or service. In the event of a conflict between this Agreement and any
terms and conditions applicable to other services, this Agreement shall control
as to the subject matter addressed herein.

×

Consent for Use of Electronic Signatures and Records

"Online Service" means the Regional Acceptance Corporation Customer Payment
Portal service and any other online product or service offered through our
website, mobile apps, or any other means of digital communication in which you
have enrolled that is not otherwise governed by an electronic disclosure and
consent. The words “we”, “us”, and “our” refer to Regional Acceptance
Corporation, and the words “you” and “your” mean you, the individual(s) or
entity using the Online Service. As used in this Consent for Use of Electronic
Signatures and Records “(Agreement”), and “Account” means the account you
hold with us. “Communications” or “Records” mean any customer agreements
or amendments thereto, periodic statements, monthly billing or account
statements, disclosures, notices, responses to claims, transaction history,
privacy policies and all other information related to the product, service or
account, including but not limited to information that we are required by law to
provide to you in writing.

You are agreeing to the following:

We may provide all legal or regulatory Communications associated with the
Account or with the Online Service, including Communications about a change
in the terms of your Accounts or the Online Service and privacy notices.

By giving your consent, you agree to conduct Account transactions with us
either using your computer or mobile device to receive, view and
electronically sign Records. You agree that such electronic signatures will
consist of clicking on buttons and/or checking boxes where indicated. You
also consent to the use of electronic Records displayed on the computer or
other electronic device you are using, as well as any Records that we send
to you electronically. We may provide Records to you electronically by
emailing them to you at your email address; such email may include the
Records as attachments or as embedded links to a website that we operate and
control.

We may deliver the Communications to you by any of the following methods:
(a) by posting a notice and making the information available to you through
the Online Service; or (b) by sending the information to an email address
you have provided to us; or (c) to a wireless device you have designated; or
(d) to the extent permissible by law, by access to a web site that we will
generally designate in advance for such purpose; or (d) any other electronic
means we have mutually agreed upon. Delivery of electronic Communications by
any of these methods will be considered "in writing" and you intend that the
electronic Communications have the same legal effect as written and signed
paper communications.

You agree to promptly notify us of any change in your contact information.
You can update your contact information through the Online Service as well
as by contacting Regional Acceptance at 1-866-644-7687

You may withdraw your consent to receive electronic Communications by
updating your preference through the Online Service, or by contacting us at 1-866-644-7687.
If you withdraw your consent to receive electronic Communications, we
may terminate your access to the Online Service. We will not impose
any fee if you withdraw your consent to receive Communications
electronically. If you withdraw your consent to receive Communications
electronically, such withdrawal will not apply to Communications that were
furnished to you electronically before the date on which the withdrawal of
your consent takes effect.

You may obtain paper copies of electronic legal or regulatory
Communications, and most other Communications, by printing them within the
Online Service or by calling 1-866-644-7687. There is no fee for paper
copies.
The following are not available in paper copies: Payment reminders and
account status notifications through
our mobile app.

The minimum hardware and software requirements to access and retain the
electronic Communications are: A personal computer or other device with
operating system and telecommunications connections to the Internet capable
of receiving, accessing, displaying, and
either printing or storing electronic Communications; a browser, such as
Internet Explorer, Firefox, Chrome , Safari or Edge , with 256-bit
encryption; sufficient electronic storage capacity on your computer’s hard
drive or other data storage unit; and, software that enables you to view
files in the Portable Document Format ("PDF").
Note: Regional Acceptance no longer supports older browsers that only
support TLS 1.0 due to security.

On each number you provide, you consent to us and our affiliates,
agents and assignees, contacting you by calling, texting, or other electronic
communication, including through automated dialing equipment or prerecorded
messages, about your accounts with us. Standard data and message rates may
apply.

By clicking "I Agree", you acknowledge that you are able to electronically
access and retain the Communications.

Applicability
This Agreement and Initial Disclosures (the "Agreement") governs your
use of the Service. By subscribing to the Service or using the Service,
you agree to the terms of this Agreement. Please read this Agreement
carefully and in its entirety. We suggest that you print a copy of this
Agreement.

The Service
You may use a personal computer ("PC") or wireless device to access the
Service.

Service(s) refers to collectively any or all of the Regional Acceptance
Corporation services described in this Agreement, which allows you to
electronically access Account and transaction information and view
statements or other disclosures on a personal computer or wireless
device.

We, us, or our refers to Regional Acceptance Corporation and any agent,
independent contractor, designee or assignee that Regional Acceptance
Corporation may, in its sole discretion, involve in the provision of the
Service.

You or your refers to the individuals, corporations, partnerships,
limited liability companies, and sole proprietorships subscribing to or
using the Service.

Additional Security Measures
In addition to your User ID and Password, we may ask you to create and
provide responses to additional authentication questions that only you
and Regional Acceptance Corporation will know in order to verify your
identity. These questions and your correct responses help us to provide
stronger protection of your account information. We reserve the right to
prevent access to the Service for security reasons or if we suspect
fraud. You agree to cooperate with us in the investigation and
prosecution of any person who has obtained and used your User ID and
Password without your authorization.

Online StatementsYou may elect to stop or resume the mailing of paper statements for
eligible Accounts by changing your statement delivery preferences within the
Serviceor by contacting us at 1-866-644-7687. After
you withdraw consent to receive periodic statements electronically, it may
take up to two (2) statement cycles for delivery of paper statements to
resume. Only eligible Accounts accessible via the Service may be enrolled
for online statement delivery. For joint Accounts, only one Account owner
need enroll for online statement delivery. The email address you provide at
time of enrollment will receive the notifications, subject to any changes
you make to such email address through the Service or by contacting us. It
is your responsibility to notify us if your contact information changes. You
can update your contact information via the Service or by contacting us at
1-866-644-7687.
We may continue to mail information to you, including any information that
you have authorized us to provide to you electronically. We may discontinue
the online statement service at any time in our discretion and resume
mailing paper statements to you. We may also add, modify, or delete any
feature of the online statements service in our discretion. We will provide
you with notice of any change or termination in the online statement
service.

Disclaimer of Warranty; Exclusion of Damages
We are not responsible for any loss, damage, or injury resulting from an
interruption in the availability of the Service, or any computer virus that
you may encounter using the Service. We encourage you to routinely scan your
PC using a reliable virus protection product to detect and remove viruses
from your PC.

Disclaimer of Warranty
UNLESS SPECIFICALLY PROVIDED TO THE CONTRARY IN THIS AGREEMENT OR UNDER
APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS," "AS AVAILABLE"
BASIS, AND WE MAKE NO WARRANTY, WHETHER STATUTORY, EXPRESS OR IMPLIED,
TO YOU OR ANY OTHER PERSON REGARDING ANY SERVICES, OR ANY SOFTWARE OR
EQUIPMENT USED IN CONNECTION THEREWITH, INCLUDING BUT NOT LIMITED TO ANY
WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR
NONINFRINGEMENT.

Exclusion of Damages
EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT OR BY LAW, WE ARE NOT
RESPONSIBLE FOR ANY LOSS, INJURY, OR DAMAGE WHETHER DIRECT, INDIRECT,
SPECIAL OR CONSEQUENTIAL, CAUSED BY THE SERVICE OR THE USE THEREOF OR
ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF THE
FINANCIAL SOFTWARE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF
SUCH DAMAGES OR LOSSES.

TerminationYou may terminate your use of the Service at any time by updating your
preference through the Online Service, by contacting us at
1-866-644-7687. You must notify us at least ten (10) days prior to the date
on which you wish to have your Service terminated. We may require
that you put your request in writing. If there is more than one Account
owner or if more than one person is authorized to access the Account via the
Service, we may terminate the Service upon the request of any Account owner
or person authorized to access the Account.
We may terminate your use of the Service, in whole or in part, at any time
without notice. Upon termination, you will remain liable for payments and other
transactions in process, and all accrued fees and charges.

General

Entire Agreement
This Agreement constitutes the complete and exclusive agreement related
to the Service, and supplements any other agreement or disclosure
related to your Accounts. In the event of a conflict between this
Agreement and any other agreement or disclosure related to your Accounts
or any statement by our employees or agents, this Agreement shall
control as to the subject matter addressed herein.

Waivers
No delay or omission by us in exercising any rights or remedies
hereunder shall impair such right or remedy or be construed as a waiver
of any such right or remedy. Any single or partial exercise of a right
or remedy shall not preclude further exercise or the exercise of any
other right or remedy. No waiver shall be valid unless in writing and
signed by us.

Assignment
You may not assign this Agreement to any other party. We may assign this
Agreement or delegate any or all of our rights and responsibilities
under this Agreement to any third parties.

Governing Law
This Agreement shall be governed by and construed in accordance with the
laws of North Carolina without regard to that state's conflict of laws
provisions.

Amendments
We may amend this Agreement from time to time by posting the amended
agreement on our website along with a notice that this Agreement has
been amended, or by any other reasonable notification method. You may
obtain the most recent version of this Agreement by visiting our website
or calling 1-866-644-7687to request a copy. Continued use of the Service
following notice of amendment constitutes acceptance of any amendments
to this Agreement.

Severability
If any provision of this Agreement is determined to be void or invalid,
the remainder of this Agreement shall remain in full force and effect.

Service Hours
The Service is available 24-hours a day, seven days a week, except
during maintenance periods.

Business Days
Our Business Days are Monday through Friday. Federal Reserve Holidays
are not included.

Service Notifications
We may add, modify or discontinue the Service at any time, including
changing the terms and conditions governing the Service. We may send you
electronic notifications concerning the Services, including notice of a
change or termination of the Service. We may also temporarily suspend
your use of the Service at any time for security reasons or any other
reason in our discretion. We have no responsibility or liability for
Service unavailability, interruptions or delays due to any cause.

Confidentiality
Subject to applicable law, we will disclose information to third parties
about you and your Accounts: (i) in order to verify the existence and
condition of your Account for a third party, such as a credit bureau or
merchant; (ii) in order to comply with government agency or court
orders; (iii) if you give us permission; (iv) as stated in the Regional
Acceptance Corporation Consumer Privacy Notice; and (v) as otherwise
required or permitted by law or government regulation.

Access to other Products and Services
We may provide you access to other financial products and/or services
offered by Regional Acceptance Corporation, its affiliates, or third
parties with whom we have contracted. Access to these products or
services may be provided through the use of hyperlinks within the
Service. You agree that when you use these other services, you will be
subject to any terms and conditions applicable to the particular product
or service. In the event of a conflict between this Agreement and any
terms and conditions applicable to other services, this Agreement shall
control as to the subject matter addressed herein.

Arbitration Agreement

ARBITRATION. IT IS IMPORTANT THAT YOU READ THIS ARBITRATION PROVISION CAREFULLY.
IT PROVIDES THAT YOU MAY BE REQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGH
ARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCH CLAIMS IN COURT. YOU ARE
WAIVING RIGHTS YOU MAY HAVE TO LITIGATE THE CLAIMS IN A COURT OR BEFORE A JURY.
YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT,
CLASS ACTION ARBITRATION OR OTHER REPRESENTATIVE ACTION WITH RESPECT TO SUCH
CLAIMS.

Any claim or dispute by either you or us against the other relating to this
Agreement and the Online Service (collectively “Claim”) will, at the election of
either you or us, be resolved by binding arbitration. This arbitration provision
governs all Claims, whether such claims are based on law, statute, contract,
regulation, ordinance, tort, common law, constitutional provision, or any other
legal theory and whether such Claim seeks as remedies money damages, penalties,
injunctions or declaratory or equitable relief. Claims subject to this
arbitration provision include Claims regarding the applicability of this
provision or the validity of this or any prior Agreement related to the Online
Service. As used in this arbitration provision, the term “Claim” is to be given
the broadest possible meaning, and includes Claims that arose in the past or
arise in the present or future. If a party elects to arbitrate a Claim, the
arbitration will be conducted as an individual action only. This means that even
if a demand for class arbitration, class action lawsuit or other representative
action, including a private attorney general action, is filed, any Claim related
to the issues of such lawsuits will be subject to individual arbitration. Claims
subject to arbitration also include Claims that are made as counterclaims,
cross-claims, third-party claims, interpleaders or otherwise. Notwithstanding
this arbitration provision, if you have a Claim that is within the jurisdiction
of a small claims court, you may file your Claim there. Any appeal from a
decision of a small claims court shall be subject to this arbitration provision.
The arbitration, including the selection of the arbitrator, shall be
administered by the American Arbitration Association (“AAA”), according to the
Commercial Arbitration Rules and the Supplemental Procedures for
Consumer-Related Disputes. To start an arbitration, you or we must give notice
of an election to arbitrate. This notice may be given after a lawsuit has been
filed and may be given in papers or motions in the lawsuit. Our notice to you
may be provided to you at your last known address or at such other address as we
may have in our records; your notice to us shall be given to: Regional
Acceptance Corporation, Attn: Legal Department, 1424 East Fire Tower Road,
Greenville, NC 27858. All fees and costs are allocated pursuant to the
rules of the AAA. The arbitrator may award any fees, costs, and expenses
including attorneys’ fees, as permitted by the administrator’s rules. If there
is a conflict between the rules and procedures of the administrator and any term
in this arbitration provision, the terms of this arbitration provision shall
prevail. You or us may bring a summary or expedited motion to compel arbitration
of any Claim or to stay the litigation of any Claims pending in any court. Such
a motion or action may be brought at any time. The failure to initiate or
request arbitration at the beginning of a dispute or claim shall not be
construed as a waiver of the right to arbitration.

You may obtain a copy of the current rules of the arbitration administrator,
including information about arbitration, fees, and instructions for initiating
arbitration by contacting the American Arbitration Association, 1633 Broadway,
Floor 10, New York, NY 10019. Phone: 800-778-7879. Web site:
www.adr.org

You and us each agree that under this Agreement, you and us are participating in
transactions involving interstate commerce which shall be governed by the
provisions of the Federal Arbitration Act, Title 9 of the United States Code
(“FAA”) and not by any state law concerning arbitration. The arbitrator shall
follow applicable substantive law to the extent consistent with the FAA,
applicable statutes of limitation and applicable privilege rules, and shall be
authorized to award all available remedies, including without limitation,
damages (to the extent not limited by this Agreement), declaratory, injunctive
and other equitable relief, and attorneys’ fees and costs. The arbitrator shall
follow rules of procedure and evidence consistent with the FAA, this provision
and the administrator’s rules.

Any court with jurisdiction may enter judgment upon the arbitrator’s award. The
arbitrator’s award will be final and binding, except for any appeal right under
the FAA. Unless applicable law provides otherwise, the appealing party will pay
the cost of appeal, regardless of its outcome. However, we will consider in good
faith any reasonable written request for us to bear the cost of your appeal. We
will pay any fees or expenses we are required by law to pay or in order to make
this arbitration provision enforceable.

This arbitration provision shall survive termination or suspension of the
Account or this Agreement. If any portion of this arbitration provision is
deemed invalid or unenforceable, it shall not invalidate the remaining portions
of this arbitration provision or Agreement; provided, however, if the
limitations on class actions are struck in a proceeding brought on a class,
representative or private attorney general basis, without impairing the right to
appeal such decision, this entire arbitration provision (other than this
proviso) shall be null and void in such proceeding.